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Owner Operator Insurance

We're truck insurance specialists who understand what you require for owner operator insurance, whether you're under lease to a motor carrier or operating under your own authority. We help you make sure that you're fully compliant with the insurance regulations and will customize your policy to meet your specific needs.

Owner Operators Under Lease to a Motor Carrier
As an independent driver leased to a motor carrier, your owner operator truck insurance coverage needs are mainly determined by the lease agreement you have with your motor carrier. In most cases, a motor carrier provides Primary Liability insurance coverage when you're working on their behalf. Liability insurance covers injuries or damage to other people or property if you're at fault for an accident. If the motor carrier doesn't provide Primary Liability, you'll need to purchase it on your own.

Additonal owner operator coverages you may need to purchase include:

  • Non-Trucking Liability Insurance - can provide protection for when you're not under dispatch.
  • Physical Damage Insurance - pays for repairs to your vehicle if it's damaged in an accident (whether involving another vehicle or an object).
  • Motor Truck Cargo Insurance - can pay for damages to the cargo you're hauling in case of fire, theft, or an accident.

Owner Operators Working Under Their Own Authority
If you're operating under your own authority, you'll need to carry your own commercial trucking insurance coverages, including:

  • Liability Insurance - pays for damages that you cause to other people and their property and includes Bodily Injury Liability insurance and Property Damage coverage.
  • Physical Damage Insurance - pays for repairs to your vehicle if it's damaged in an accident (whether involving another vehicle or an object).
  • Motor Truck Cargo Insurance - can pay for damages to the cargo you're hauling in case of fire, theft, or an accident.
  • Motor Truck General Liability Insurance - pays for injuries or property damage you cause as a result of business activities not directly related to operating your truck.

If you or your company own a truck in New England (MA, CT, VT, NH, ME, RI) talk to us about our:

  • special program for owner-operator truck insurance
  • personal claims assistance
  • easy payment options
  • one-stop service and truck insurance shopping

 Contact our truck insurance specialists for your free truck insurance quote today.

Our owner-operator program delivers!

  Prior premium First American premium Savings
Owner/Operator
Western Mass.
$5,667.00 $2,947.00 48%
Owner/Operator
Western Mass.
$2,845.00 $1,921.00 23%
Owner/Operator
Central Mass.
$4,172.00 $2,362.00 43%
Landscape Contractor
Western Mass.
$8,944.00 $6,997.00 32%
Regional Trucker
Central Mass.
$6,877.00 $5,101.00 26%

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